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This is twenty-nine year old Emmanuel. He is married and has no children. In 2005, Emmanuel established a business selling baby clothes, napkins, calculators, watches, and blouses. He began his business after dropping out of school because he wanted to be self-reliant. His business is located in the city center, and his main customers are adults. Working 7 days a week, 12 hours a day, he earns about 1,213,080 Sierra Leonean leones (SLL) every month from the business.

Emmanuel would like a loan in the amount of 5,000,000 SLL. He has already received and successfully repaid four loans, and he now needs a new loan in order to buy more napkins, shoes, calculators, and vests. He hopes that this loan will increase his stock and thus his profits. In the future, he plans to expand the business to the sale of ladies' dresses. He also hopes to complete the construction of the house he just started with the proceeds of his previous loan. He thanks you for your support.

Additional Information

About the Association or Rural Development

The Association for Rural Development (ARD) is one of the leading microfinance institutions in Sierra Leone. Established in 1989, ARD has offered individual and group loans to support small-scale businesses across the country for two decades. You can learn more about ARD on its partner profile page, support the organization and its staff by joining the ARD lending team, or lend to another one of its borrowers currently raising funds on Kiva.

About Sierra Leone

  • $2,100
    Average annual income
  • 51
    View loans »
    Sierra Leone Loans Fundraising
  • $9,344,750
    Funds lent in using Kiva
  • 4,369.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Emmanuel to but napkins, shoes, calculators, and vests.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 16, 2013
Sep 3, 2013
Currency Exchange Loss:
Mar 17, 2014